Advisory Disclosures

ARIA's posture, limitations, and what our outputs are and are not.

2026-Q2.previewEffective at current version·PrivacyTermsCookiesDisclosures

ARIA provides software-driven real-estate intelligence. Depending on your tenant's SAMA / CMA posture, ARIA operates in either an informational or advisory capacity. This disclosure explains what that means in practice.

1. Posture

  • Informational (default, pre-SAMA opinion) — ARIA surfaces data, scores, and rationale. You make every decision. No recommendations carry the weight of regulated advice.
  • Advisory (post-SAMA opinion, tenant-opted) — ARIA provides tailored recommendations under the regulator's terms. Available to institutional tenants only after a signed addendum.

The posture is configurable per tenant in Admin → Business Config and surfaces in the footer of every authenticated page as a mode chip. Source: the tenant advisory setting.

2. ARIA is not

  • A brokerage — we don't list, market, or sell property on your behalf
  • A bank or payments institution — we don't hold client funds
  • A source of regulated investment advice (unless the Advisory posture is active)
  • A substitute for your DPO, counsel, tax advisor, or structural engineer

3. Data caveats

  • Transaction data quality varies by district. We show freshness chips on every price / yield estimate and degrade gracefully to delayed or unavailable rather than silently default
  • Monte Carlo scenarios reflect the inputs and assumptions you supply. Change any input and re-run — old outputs carry their snapshot stamp for reproducibility
  • AI-assisted rationale is cached by prompt hash. You can request human review of any generation

4. Your decisions

You — the user, or your investment committee — are always the decision-maker. ARIA provides structure, data, and reasoning; it does not commit capital, sign documents, or bind you to transactions.

5. Conflicts of interest

ARIA earns revenue from two sources beyond its B2C and B2B subscription tiers:

  • Developer commissions. ARIA earns a commission on successful transactions facilitated through our marketplace. The commission rate is disclosed per developer agreement and surfaced to consumers on the property detail page before they engage with the developer's pre-sales flow.
  • Bank referral fees. ARIA earns a referral fee from partner banks (SNB, Al Rajhi, Riyad Bank, and other SIMAH-integrated lenders) on mortgage applications successfully closed through ARIA's pre-approval flow — typically 1–2% of loan value. We disclose the fee structure to consumers before they begin the pre-approval flow at /mortgage.

Both flows are recorded in the audit ledger and reconciled in Admin → Revenue Dashboard (institutional-tenant access only). Sub-processor payments are disclosed in our sub-processor list. If the commercial structure changes, we will update this disclosure and bump the version.

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